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Housing

30-Year Mortgage Rate This Week

The average 30-year fixed mortgage rate was 7.18% for the week of Nov 5, 2026, down 0.06 percentage points from 7.24% the week before. That is 2.34 percentage points above the 10-year Treasury yield (4.84% on Nov 5, 2026). A year earlier (Nov 6, 2025), the reading was 6.22%.

7.18%
-0.06 pp vs prior week
Nov 5, 2026 · Weekly data
Previous7.24%Oct 29, 2026
A year earlier6.22%Nov 6, 2025 · +0.96 pp
1-year high7.40%Oct 8, 2026
1-year low5.98%Feb 26, 2026
5-year high7.79%Oct 26, 2023
5-year low2.98%Nov 10, 2021
Spread over 10-year+2.34 pp10-year 4.84% · Nov 5, 2026

30-Year Fixed Mortgage Rate: chart

30-Year Fixed Mortgage Rate, Nov 6, 2025 to Nov 5, 2026Line chart from Nov 6, 2025 to Nov 5, 2026. Latest 7.18%; high 7.40% on Oct 8, 2026; low 5.98% on Feb 26, 2026.5.5%6.0%6.5%7.0%7.5%Jan '26Apr '26Jul '26Oct '267.18%High 7.40%Low 5.98%
30-Year Fixed Mortgage Rate, Nov 10, 2021 to Nov 5, 2026Line chart from Nov 10, 2021 to Nov 5, 2026. Latest 7.18%; high 7.79% on Oct 26, 2023; low 2.98% on Nov 10, 2021.2%3%4%5%6%7%8%202220232024202520267.18%High 7.79%Low 2.98%
30-Year Fixed Mortgage Rate, Nov 10, 2016 to Nov 5, 2026Line chart from Nov 10, 2016 to Nov 5, 2026. Latest 7.18%; high 7.79% on Oct 26, 2023; low 2.65% on Jan 7, 2021.2%4%6%8%201820202022202420267.18%High 7.79%Low 2.65%

Average 30-year fixed mortgage rate, percent, weekly (Thursday).

Latest readings

Weekly data
WeekRateChange (pp)
Nov 5, 20267.18%-0.06
Oct 29, 20267.24%-0.08
Oct 22, 20267.32%-0.08
Oct 15, 20267.40%0.00
Oct 8, 20267.40%+0.12
Oct 1, 20267.28%+0.25
Sep 24, 20267.03%+0.08
Sep 17, 20266.95%+0.19
Sep 10, 20266.76%+0.05
Sep 3, 20266.71%+0.05
Aug 27, 20266.66%+0.01
Aug 20, 20266.65%-0.02
Aug 13, 20266.67%-0.02
Aug 6, 20266.69%+0.03
Jul 30, 20266.66%+0.08
Jul 23, 20266.58%+0.03
Jul 16, 20266.55%+0.06
Jul 9, 20266.49%+0.06
Jul 2, 20266.43%-0.06
Jun 25, 20266.49%+0.02
Jun 18, 20266.47%-0.05
Jun 11, 20266.52%+0.04
Jun 4, 20266.48%-0.05
May 28, 20266.53%+0.02

pp = percentage points.

Related indicators

All US economy indicators →
10-year Treasury
4.84%
-0.06 pp vs prior day
Nov 5, 2026 · Federal Reserve Board (H.15)
Housing starts
1.22M
-67K (-5.2%) vs prior month
Sep 2026 · U.S. Census Bureau
Home prices
2.1%
+0.2 pp vs prior month
Aug 2026 · S&P Dow Jones Indices
Fed funds rate
3.88%
unch. vs prior day
Nov 5, 2026 · Federal Reserve Board (H.15)
Mortgage rates today: 30- and 15-year, paymentsUS housing market report

Frequently asked questions

What is the average 30-year mortgage rate this week?

The average 30-year fixed mortgage rate was 7.18% for the week of Nov 5, 2026, down 0.06 percentage points from 7.24% the week before. That is 2.34 percentage points above the 10-year Treasury yield (4.84% on Nov 5, 2026). A year earlier (Nov 6, 2025), the reading was 6.22%.

Why do mortgage rates follow the 10-year Treasury yield?

Most 30-year mortgages are paid off or refinanced well before 30 years, so lenders and mortgage-bond investors price them against the 10-year Treasury, adding a spread for credit, prepayment and servicing risk. When the 10-year yield moves, mortgage rates usually follow within days.

Will I get the rate shown here?

Not necessarily. It is an average for well-qualified borrowers. Your own rate depends on your credit score, down payment, loan size and type, any points paid and the lender.

Does the Fed set mortgage rates?

Not directly. The Fed sets the overnight federal funds rate; 30-year mortgage rates are set in the market and track longer-term Treasury yields, which reflect expectations for inflation, growth and future Fed policy. Mortgage rates can even rise after a Fed rate cut.

Source: Freddie Mac, via FRED, Federal Reserve Bank of St. Louis (series MORTGAGE30US). Data checked Nov 6, 5:40 PM ET. Not investment advice.